The Central Civil Services (Pension) Rules 1972 shall apply to Central Government Servants including civilian Government servants in the Defence Services, appointed substantively to civil services and posts in connection with the affairs of the Union which are borne on pensionable establishments, but shall not apply to:

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Railway servants;

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Persons in casual and daily rated employment

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Paid from contingencies

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CPF beneficiaries

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Members of All India services

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Locally recruited diplomatic, Counsular or other Indian establishments in foreign countries

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Persons whose terms and conditions of service are regulated by or under the provisions of the Constitution or any other law for the time being in force.

These rules regulate the grant of pension, family pension, commutation of pension, payment of gratuity etc.

CCS (Commutation of Pension) Rules, 1981

These rules regulate commutation of pension and other related matters to Government Servants who may be entitled or have been authorised any class of pension referred to in the CCS (Pension) Rules, 1972.

CCS (Extraordinary Pension) Rules.

These rules shall apply to all persons paid from Civil Estimates other than those to whom the workmen’s Compensation Act, 1923 applies and regulate grant of disability pension, extra-ordinary family pension.

A brief of the above rules are available in the Handbook for Retiring Officials and Pensioners.

General Provident Fund (Central Services) Rules 1960

All Temporary Government servants after a continuous service of one year all re-employed pensioners (other than those eligible for admission to the Contributory Provident Fund ) and all permanent government servants are eligible to subscribe to the Fund. A subscriber, at the time of joining the Fund is required to make a nomination, in the prescribed form, conferring on one or more persons the right to receive the amount that may stand to his credit in the Fund in the event of his death, before that amount has become payable or having become payable has not been paid.

A subscriber shall subscribe monthly to the Fund except during the period when he is under suspension. Subscription to Provident Fund are stopped three months prior to the date of superannuation. Rates of subscription shall not be less than 6% of subscriber’s emoluments and not more than his total emoluments. Rate of interest on GPF accumulations at present is 12% compounded annually. The Rules provide for drawal of advances /withdrawals from the Fund for specific purposes.

Deposit Linked Insurance Revised Scheme

On the death of a subscriber, the person entitled to receive the amount standing to the credit of the subscriber shall be paid an additional amount equal to the average balance in the account during the three years immediately preceding the death of the subscriber subject to certain conditions provided in the relevant rule. The additional amount payable under that rule shall not exceed Rs. 60,000. To get this benefit, the subscriber should have put in at least 5 years service at the time of his / her death.

Contributory Provident Fund Rules (India ), 1962

The CPF Rules are applicable to every non-pensionable servant of the Government belonging to any of the services under the control of the President. A subscriber, at the time of joining the Fund is required to make a nomination in the prescribed form conferring on one or more persons the right to receive the amount that may stand to his credit in the Fund in the event of his death, before that amount has become payable or having become payable has not been paid.

A subscriber shall subscribe monthly to the Fund when on duty or foreign service but not during a period of suspension. Rates of subscription shall not be less than 10% of the emoluments and not more than his emoluments. The employer’s contribution at that percentage prescribed by the Government will be credited to the subscriber’s account and this is presently 10%. Rate of interest, at present, is 12% compounded annually. The Rules provide for drawal of advances / withdrawals from the CPF for specific purposes. As in GPF Rules, the CPF Rules also provide for Deposit linked Insurance Revised Scheme.

Earlier, the Government was giving option to CPF subscribers to switch over from CPF Scheme to GPF Scheme (Pension Scheme). The last such option was allowed based on the recommendations of Fourth CPC. As a number of options have already been allowed as and when substantial improvement were made in the pension scheme and the practical difficulties involved in retrieval of records and adjustments to be made, demand for further option was not recommended by the Fifth CPC and there is no proposal with the Government to consider any further change in options.